Ads often show pickups slogging through mud bogs or pulling backhoes on trailers to the accompaniment of loud rock ‘n’ roll. That’s all well and good, but most buyers may find trucks equipped for that kind of duty not as livable for everyday use. “Most people overbuy,’” said Ram parent Stellantis spokesman and truck enthusiast Nick Cappa, who pointed out that even a base six-cylinder full-size Ram half ton puts out more than 300 horsepower and can tow in the neighborhood of 7,000 pounds. Those numbers are typical of domestic pickups and more than enough for most recreational boats and campers.

Another big difference between a pickup and a car is the number of available options. Upgraded trim packages, more powerful engines, and add-ons both functional and cosmetic can add up fast, sometimes doubling the price of a pickup. These days, some trim level choices on the most expensive pickups can drive the sticker prices to six-figure territory, and that’s before you add any aftermarket accessories.

Start by determining your must-haves — such as a cab with four doors or an engine and towing package appropriate for your needs — then decide whether there’s room in the budget for that leather interior or sunroof. With the average transaction price for a new pickup already ringing up around $45,000 per Cars.com inventory, it doesn’t take long for those options to hit the stratosphere.